Thoughts on after tax 401k contributions?

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I expect megabackdoor to stick for at least this year, so I’m maxing mine. If it goes away, I’ll do a brokerage instead, bc paying income is worse than paying cap gains.

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I agree with this. If I couldn't convert to Roth I would not use it as being taxed as ordinary income more than offsets the timing benefit plus it isn't as flexible.

What kind of thoughts are you looking for?

No one knows which would be better. You could do some of both

Great if you can convert to Roth. Arguable otherwise.

Absolutely worth if you can convert to Roth, otherwise not

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